Our recent government shutdown has been a wake-up call for many people and shows how volatile our income and savings can be. Even if you don’t have a government job, does the possibility of an unplanned bill keep you up at night? Continue reading
Author Archives: Kuderer Financial, LLC
Is a Roth IRA or Traditional IRA best for you?
A common question when planning retirement funds is “Should I start a Roth IRA or a Traditional IRA?” Your personal goals and circumstances will determine which type of IRA is right for you. Continue reading
How a Fiduciary Affects Your Investments
Many investors assume their financial advisor makes recommendations based on their best interests. Unfortunately, that’s not always the case. Many advisors are only required to recommend what is suitable, not what is best for their client. Continue reading
What Will You Pay for Medicare in 2019?
Medicare premiums, deductibles, and coinsurance amounts change annually. Here’s a look at some of the costs that will apply in 2019 if you’re enrolled in Original Medicare (Part A and Part B). Continue reading
What You Should Know about In-Home Care
Not every older American ends up in a nursing home or a retirement community. In fact, most older individuals continue to live at home, many with the assistance of some type of in-home care. In-home care can help you remain independent, and delay the need to enter a nursing home or an assisted-living facility. Continue reading
After Rocky Year-End, Risks Follow Investors into New Year
In the final quarter of 2018, interest rate and growth fears, along with geopolitical events, sparked volatility in the financial markets and reversed many of the outsize stock gains notched earlier in the year. The S&P 500 posted a loss of about 6.2% for 2018. After falling into bear market territory, defined as a drop of more than 20% from recent highs, the tech-heavy NASDAQ was down 3.9% for the year overall.1-2 Continue reading
Year End Tax Review Now, May Save Money Later
As the end of the year approaches, it’s time to consider strategies that could help you reduce your tax bill. Continue reading
Open Enrollment for Health Insurance Marketplaces ends on December 15th
Beginning on November 1, 2018, individuals (including their families) may apply for new health insurance or switch to a different health-care plan through a Health Insurance Marketplace under the Affordable Care Act (ACA). The open enrollment period for 2019 health coverage ends on December 15, 2018. Continue reading
What to Know about the New Credit Security Legislation
Recently, as part of the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018, Congress made several changes to credit security rules that benefit consumers. Continue reading
Women and Money: Taking Control of Your Finances
As a woman, you have financial needs that are unique to your situation in life. Perhaps you would like to buy your first home. Maybe you need to start saving for your child’s college education. Or you might be concerned about planning for retirement. Whatever your circumstances may be, it’s important to have a clear understanding of your overall financial position. Continue reading
